Savings Rates

Dividend Rates

Effective as of 1/1/2023

Account Type	Rates	APY*
Regular Share Account	0.10%	0.10%
Christmas Club Account	0.15%	0.15%
Special Share Account	0.15%	0.15%
Convenience Checking	N/A	N/A
Money Market Account*	0.20%	0.20%
Youth Money Market Account**	0.25%	0.25%
APY=Annual Percentage Yield. * Minimum balance of $2,500 required to earn dividends. $10 excessive withdrawal fee after 3 per quarter. ** Minimum deposit of $1.00 required.

Term Deposit Rates

Effective as of 1/1/2023

Account Type	Min. Deposit	Rate	APY
6 Month Term Deposit	$1,000	1.00%	1.00%
12 Month Term Deposit Interest Pays Quarterly	$1,000	1.25%	1.25%
12 Month Term Deposit Interest Pays at Maturity	$1,000	1.25%	1.25%
18 Month Term Deposit Interest Pays Quarterly	$1,000	1.30%	1.30%
18 Month Term Deposit Interest Pays at Maturity	$1,000	1.30%	1.30%
24 Month Term Deposit Interest Pays Quarterly	$1,000	1.50%	1.50%
24 Month Term Deposit Interest Pays at Maturity	$1,000	1.50%	1.50%
36 Month Term Deposit Interest Pays Quarterly	$1,000	1.50%	1.50%
36 Month Term Deposit Interest Pays at Maturity	$1,000	1.50%	1.50%
48 Month Term Deposit Interest Pays Quarterly	$1,000	1.50%	1.50%
48 Month Term Deposit Interest Pays at Maturity	$1,000	1.50%	1.50%
60 Month Term Deposit Interest Pays Quarterly	$1,000	1.50%	1.50%
60 Month Term Deposit Interest Pays at Maturity	$1,000	1.50%	1.50%
APY=Annual Percentage Yield. Dividend Rates are reviewed monthly. More types offered - call for information. Rates are subject to change.

Individual Retirement Account (IRA) Rates

Effective as of 1/1/2023

Account Type	Min. Deposit	Rate	APY
Accumulation IRA	$1	1.00%	1.00%
12 Month IRA	$1	1.25%	1.25%
18 Month IRA	$1	1.30%	1.30%
24 Month IRA	$1	1.50%	1.50%
36 Month IRA	$1	1.50%	1.50%
APY=Annual Percentage Yield. Dividend Rates are reviewed monthly. Rates are subject to change.